Schedule of Bank Charges

Effective

January 01, 2010

ASKARI BANK LIMITED

Head Office: AWT Plaza, P.O. Box No.1084, Rawalpindi – Pakistan

Tel: PABX: 051-9063000, 9272150, Fax: 051-9272455, 5701183,
SWIFT: ASCMPKKA
Askari Bank Limited Charges Effective January 01, 2010

Table of Contents

TRADE FINANCE
A. Imports Page #
1. Letters of Credit 1
2. Bills 1&2

B. Exports
1. Letters of Credit 2
2. Bills 3
3. Others 3

C. Domestic Banking
1. Inland Letters of Credit 3
2. Bills 4
3. Guarantees 4

GENERAL BANKING (Foreign)

A. Remittances 5
B. Clearing Through NIFT 5
C. Collection through Correspondent 5
D. Foreign Bills Purchased 5
E. Postal/Telegram etc. 5

GENERAL BANKING (Domestic)

A. Remittances 5&6
B. Bills 6
C. Safe Deposit Lockers 7
D. Utility Bills 7
E. Retail Banking
1. ATM Services 7
2. Personal Finance 7
3. Smart Cash 8
4. Mortgage Finance 8
5. Business Finance 8
6. Auto Finance 8
7. I-NET Banking 8
F. Askari Master Card 8&9
G. Agriculture Banking 9 & 10
H. Miscellaneous charges 10 & 11
NIL Charges 11
I. Advances 11
J. Sale and Purchase of Securities 12
K. Postal/Telegram etc. (Domestic) 12
Askari Bank Limited Charges effective January 01, 2010

TRADE FINANCE

A. IMPORTS

1) LETTERS OF CREDIT

Cash Letters of Credit First Quarter or Each Subsequent Minimum

Part thereof Quarter or part Thereof
a.
i) LCs upto Rs. 5 M Commission 0.48% 0.37% Rs.1,300/-
ii) LCs above Rs.5M upto Rs.15M Commission 0.43% 0.32% Rs.1,300/-
iii) LCs above Rs.15M upto Rs.25M Commission 0.32% 0.22% Rs.1,300/-
iv) LCs above Rs.25M upto Rs.50M Commission 0.27% 0.16% Rs.1,300/-
v) LCs in excess of Rs.50Million/ Based Commission subject to negotiation and approval from the Regional General
on volume during a year/currency of Managers.
limit(s) and arrangement with
customer/group including allied
accounts.
Note: Nil charges if the LCs are opened against 100% cash margin
b. Revalidation Commission On expiry of LCs when the same is revalidated, revalidation commission will be
recovered as applicable for subsequent quarters in case of opening of fresh LCs
as above.
c. Transfer Commission When LC is transferred to new beneficiary, transfer commission will be charged
as applicable in case of opening fresh LC as above.

d. i) LCs under suppliers/ buyers credit
pay as you earn scheme and
deferred payment LCs for period
over one year upto US$10M or
equivalent
Commission 0.45% per quarter or part thereof at the time of opening of LC is to
be charged on full amount of LC liability plus interest payable thereon for the
period from the date of opening of LC till the expiry of LC. Thereafter
commission is to be recovered on 6 monthly basis on reducing liability till
payment of the last and final installment.

ii) LCs under suppliers/ buyers credit
pay as you earn scheme and
deferred payment LC for over one
year and for amounts in excess of
US$ 10M or equivalent
Commission 0.40% per quarter or part thereof for the first quarter and 0.22% for
each subsequent quarter to be charged on full amount of LC liability plus
interest payable thereon for the period from the date of opening of LC till the
expiry of LC. Thereafter commission is to be recovered on 6 monthly basis on
reducing liability till payment of the last and final installment.

iii) Non-Reimbursable LCs under 1.06 % per quarter or part thereof. 0.43% for each subsequent quarter or part
Barter/Aid/ Loans. thereof. Minimum Rs. 375/-.

e. Amendments. Rs. 745/- per amendment (flat) or Commission under items a or d above if
amendment involves increase in amount or extension in period of shipment.

f. Import under Registration of Contract i) Registration of contract 0.15% (flat) minimum Rs. 1,300/-
(for annual volume in excess of Rs. 100M commission subject to
negotiation/approval from the Area Manager/Regional General
Manager with the condition that lowest slab is not below 0.11%)

ii) Collection commission at the time of payment of bill Rs. 375/- (Flat)

2) BILLS
a. If bills are to be drawn under usance Rs. 650/- per bill (flat) to be charged at the time of retirement of bills. Extra
LC. Commission @ 0.155% is to be recovered/charged on monthly basis for the
usance import bills for any period beyond validity of LC. However, no
commission to be charged if the maturity/payment period of the bill falls within
the period for which commission has already been recovered.
Acceptance commission for amount in excess of US$ 10M or equivalent,
0.080% per month.

1
Askari Bank Limited Charges effective January 01, 2010
Mark-up @ Rs.0.52/Rs.1,000/- on daily product basis on the bill amount shall
b. Purchase of Own Acceptances (OAP)
be charged alongwith penal commission @ 0.32% (flat) or as approved by the
Credit Division.
c. Mark-up in case of import bills under Mark-up @ Rs. 0.50/Rs.1,000/- daily product on the bill amount shall be
import foreign/ inland LCs for clearance of charged (from the date of negotiation appearing on covering schedule/ value
goods date, wherever applicable, till the payment of buy back price OR from the date
of lodgment/remittance by the branch till the payment of buy back price in case
amount is not directly claimed from the reimbursing bank).
However, the proportionate bonus (rebate) shall be given on early payment
of the bill as under:
i) If the bill is paid (retired) within 15 days, a rebate of Rs.0.12/Rs.1,000/-
on daily product basis shall be allowed on the above rate.
ii) If the bill is paid within 16-35 days, rebate under item (i) above will not
be allowed and a rebate of Rs.0.02/- per Rs.1,000/- per day shall be
allowed (for the entire period) and Mark-up of Rs.0.48/1,000/- on daily
product basis shall be charged from the date of negotiation.

iii) If the bill is paid (retired) after 35th day, no rebate will be allowed as
applicable under (i) & (ii) and mark-up at the rate of Rs.0.50/Rs.1,000/-
on daily product basis shall be charged from the date of negotiation.

iv) Mark-up at above rate shall be charged from the date of negotiation till
deposit of 100% cash margin or retirement of bill (whichever is earlier).
This arrangement is available only against deposit of 100% cash in
margin account.
Note: For special arrangements; Mark-up as approved by the Head Office.

d. Discrepant Documents received under Rs.585/- per discrepancy per document if charges are on Applicant’s account.
Import LC.

e. i.) Collection. Rs. 450/- (Flat).

ii.) Items returned unpaid. Rs.375/- from the Importer or US$ 53/- (or equivalent) recoverable from the
forwarding bank.
iii.) Handling charges on Rupees Rs.650/- (Flat)
denominated import bill
f. i.) Service charges against import i) 0.13% flat - Minimum Rs.1,075/-.
transaction. ii) Nil if the LC is backed by 100% cash margin.

g. Remittance on account of Import without Rs.650/- (Flat) plus excise duty & SWIFT/Telex charges if required.
opening of LC or contract registered as
specified in the import Policy.

B. EXPORTS
1) Letter of Credit
a. Advising Rs. 800/- (flat)
b. Amendment Advising Rs. 700/- (Flat)
c. Negotiation of Rupee Bills under export Letters of Credit 0.43% Minimum Rs.550/-
d. Confirmation Subject to Arrangement / as decided by International
Division
e. Transfer of Export LCs Rs. 1,075/-
f. Reimbursement payment to other local banks from non Rs. 550/-
Resident Rupee account
g. Verification of “EE” Statement Rs.750/- per form

2
Askari Bank Limited Charges effective January 01, 2010

2) BILLS

a) If the documents are sent to other banks for Rs.750/-

negotiation under restricted LCs

b) Service Charges against export documents 0.13%, Minimum Rs.800/-

sent on collection basis where payment cover
is already received in bank's Nostro
Accounts/Advance Payment.
c) Collection

i) Clean Rs. 145/- (Excluding postage)

ii) Document (on which bank does not Rs. 375/- (Excluding postage)
earn any exchange difference)

3) OTHERS

a) Handling of Duty Draw Back Claims @ 0.45% per claim……………………. Min. Rs.425/-
b) Freight Subsidy Claim @ 0.45% per claim……………………...Min. Rs.700/-
c) Processing charges for “6% Research & @ 0.45% per claim……………………...Min. Rs.900/-
Development Support” cases
d) Issuance of EPRC (Export Proceeds Rs. 215/- per certificate
Realization Certificate)
e) Handling Charges for Export Refinance Rs. 550/- per application
Applications
f) Handling of Substitution Cases of Export Rs. 550/- per case
Refinance
g) Processing Charges on Export Rs. 95/- per export Bill
Development Surcharge

C. DOMESTIC BANKING

1. Inland Letters of Credit

a) Issuance. i) 0.53% per quarter or part thereof... Min. Rs. 1,300/-

ii) Annual volume of Rs.50M/Public Sector Organization/ Government/Semi-

Government Sponsored Bodies. Commission subject to negotiation and
approval from the Regional General Managers.

b) Amendments Rs.550/- per amendment (Flat) or commission under item 1(a) above if
amendment involves increase in amount or extension in period of
shipment…….Min. Rs.650/-
c) Negotiation
i) Sight. 0.65% Flat ... Minimum Rs. 800/-

ii) Usance 0.45% Flat ... Minimum Rs. 800/-.

d) If bills are drawn at usance Rs. 650/- per bill (flat) to be charged at the time of retirement of bills. Extra
under inland LC Commission at 0.145% per month is to be recovered/charged for the usance bills
for any period beyond validity of LC till date of maturity/payment. However, no
commission to be charged if the maturity/payment period of the bill falls within
the period for which commission has already been recovered.

e) Purchase of Usance Bills. Charges as per item 2 (a) and point (iv) of the notes below.

f) Advising, Amendment, As applicable in case of Export Letters of Credit.

and Confirmation charges
of (inward) inland Letters
of Credit

3
Askari Bank Limited Charges effective January 01, 2010

2. BILLS

a) Documentary Collections. 0.45% ... Minimum Rs. 320/-.

b) Documentary Bills other than those 0.80% min. Rs. 320/- plus mark-up/return from the date of purchase upto the
drawn against Letters of Credit & Clean date proceeds received.
Bills/Trade Cheques.

Notes:
i) Collecting agent's charges, if the collecting agent is other than the bank, will be extra.
ii) Charges of Rs. 135/- for documentary collection in case the instrument is returned unpaid.
iii) Telegram/trunk call charges will be extra if fate of instrument is obtained by telegram/telephone.
iv) Mark-up shall be applied on bills purchased/negotiated as approved.
v) Storage charges Rs.135/- (flat) per packet per day. No charge if cleared within 3 days of its receipt by the branch.
vi) Other charges as per notes (i) to (iii) & (v) above will be extra.

3. GUARANTEES
a) Guarantees issued to shipping companies in Rs.650/- (flat) (against 100% cash margin), or against available limits,
lieu of bills of lading /delivery orders otherwise normal commission, Minimum Rs.1,300/-
against AWB where original documents
have not been received.

b) Other Guarantees.
i) Upto Rs. 5M 0.53% per quarter or part thereof………
Minimum Rs. 1,300/- (per transaction)
ii) Over Rs. 5 M upto Rs. 10M. 0.43% per quarter
iii) Over Rs. 10M upto Rs. 200M 0.37% per quarter
iv) Over Rs. 200M 0.32% per quarter

c) Public sector corporation/ 0.155% per quarter or part thereof.

government/semi government sponsored
bodies
d) Guarantees against 100% Cash Margin NIL charges.
(Deposit under lien will not be considered)
e) Amendment Charges Rs. 650/- Flat in addition to charges as above.

f) Handling of claims under guarantees. Rs. 2,500/- Flat to be charged to the applicant, except for interim claims
received from Custom Authorities.

Charges against guarantees on behalf of correspondents and under syndicated arrangements, subject to negotiation and approval by
International Division and Credit Division respectively on case-to-case basis.

Note: All guarantees issued by banks will contain specific amount, expiry date and date by which the claims are to be lodged.

Note:
BUSINESS COMMITMENT & Business commitment to be obtained from the client alongwith an undertaking to the effect that
COMPENSATORY COMMISSION. they will pay commission upto 1% to the extent of shortfall in their business commitment.

4
Askari Bank Limited Charges effective January 01, 2010

GENERAL BANKING (Foreign)

A. REMITTANCES
a. Outward. i) FDD US$ 13/- (plus cost of SWIFT MT110 @ US$ 7.5 per message)
ii) FTT US$ 19/- (plus SWIFT charges @ US$ 13/- per message)
b. i) Inward Nil if proceeds are credited to an account with us, otherwise a flat charge of Rs. 85/-.

ii) Home remittances
c. Cancellation of demand draft
d. Issuance of duplicate demand
drafts (in lieu of lost)
e. Foreign Traveller Cheques
f. Foreign exchange permits on
behalf of account holders
g. Registration of student cases
Nil charges (excluding cost of money order or telegram charges when T.T. is
requested).
Rs.215/- (flat)
Rs.300/- (Flat)
Actual commission authorized by the principals only.
Rs. 1,075/- per permit.
Rs. 6,350/- per case & Renewal fee Rs. 4,250/-

h. Cash deposit in FCY Account 0.37% Cash handling charges or as approved by Area / Regional Office.

B. CLEARING THROUGH NIFT

1. Local US$ Cheques:
US$ 8.5 per item
i) Outward Clearing (Paid)
ii) Outward Clearing (Returns) US$ 13/- per item
iii) Inward Clearing (Paid) US$ 3.5 per item
iv) Inward Clearing (Returns) US$ 6.5 per item

C. Collection through Correspondent

i) Collection of FCY Cheques US$ 13/- per cheque plus Correspondent Bank’s charges at actual.
through Correspondent Bank

D. FOREIGN BILLS PURCHASED

i) T.Cs (except American Express) 0.75% min. US$ 7.5 or equivalent in Pak Rupees
ii) "Walk-in" Customers (except Amex TCs) 0.80% min US$ 14/- or equivalent in Pak Rupees
iii) Cheques, drafts, IMO etc, purchased for credit to F.C. account 0.80% min. US$ 5.5 or equivalent in Pak Rupees

E. Postal/Telegram/Telephone/SWIFT/Telex/fax & Courier Charges.

1. Correspondent Charges. Actual
2. Postage Rs. 320/- Flat
3. Courier Service Rs. 1,800/- Flat
4. SWIFT/Telex/Cable Charges.
a. Full text L/C etc. Rs. 1,700/- Flat
b. Short messages (e.g. L/C, amendment, etc.) Rs. 650/- Flat
c. Other short messages. Rs. 650/- Flat
5. Telephone & Fax Charges. Rs. 650/- Flat
6. Foreign Bills sent for collection returned unpaid. Rs. 550/- Flat

GENERAL BANKING (Domestic)

A. REMITTANCES (Inter branch)
I. Drafts and TTs
a) Issuance of Drafts and TTs i) upto Rs. 1,000,000 0.10% .......... Minimum Rs. 200/-.
ii) Over Rs. 1,000,000 0.090% Flat
b) Cancellation of demand draft Rs. 200/- (flat)

5
Askari Bank Limited Charges effective January 01, 2010

c) Issuance of duplicate demand drafts (in Rs.300/- Flat

lieu of lost).
d) Postage charges No postage charges on DDs
e) Collection Account (companies only) Nil charges provided no cheque book is issued to subsidiary accounts.
opened with the approval of Head Office

(Through Correspondent Bank) Above or as levied by our Correspondent Bank, whichever is higher.

II Pay Order
a) Issuance of Pay Order i) Upto Rs.1M Rs. 65/- (Flat)
ii) Above Rs.1M Nil
b) Cancellation of Pay Order/ Rs.300/- Flat.
Issuance of duplicate Pay Order

Note: - i) If the above services (Drafts, TTs & Pay Orders) are provided against cash (Account holders/walk-in customers both)
additional Rs.300/- per transaction will be charged.
ii) Charges may be reduced or waived by Branch Manager/ Area Manager/ Regional General Manager depending upon
business consideration etc.
iii) Charges on Issuance of Pay Orders/DD/any other related instruments for payment of fee/dues in favour of Educational
Institution, HEC/Board charges not exceeding 0.5% of the fee/dues or Rs 25/- per instrument which ever is less (Ref. HO
Circular No.1879 dated August 13, 2009).

III. Inter Branch Online Cash Transactions

a) Withdrawal upto Rs.1M Rs.120/- (flat)
b) Withdrawal over Rs.1M 0.070% (Flat)
c) Deposit Rs.320/-(Flat)

IV. Inter Branch Online Transfers

a) Inter-branch Online Transfers Rs.185/- (flat)

b)
Collection Account (companies only) Nil charge provided no cheque book is issued to subsidiary account.
opened with the approval of Head
Office.
Note: - i) No charge on Online cash transactions/transfers within one city (Rawalpindi/Islamabad is treated as one city)
ii) No charges on online transactions for “Value Plus” account holders.
iii) Charges may be reduced or waived by Branch Manager/ Area Manager/ Regional General Manager depending upon
business consideration etc.

B. BILLS
1. Collections
Clean (including Cheques) i) Upto Rs. 1,000,000 0.15%...... Minimum Rs. 100/-
ii) Over Rs. 1,000,000 0.080% Flat

2. Intercity Collection of Cheques Rs 200/- per item

through NIFT
3. Purchase of Bills, Cheques etc. 0.75%..…. Minimum Rs.135/- (Plus mark-up as approved)
(Other Cheques/Demand instruments)

Notes: a) Collecting agent's charges, if the collecting agent is other than the bank, will be extra.
b) Charges of Rs. 65/- for clean collection in case the instrument is returned unpaid.
c) Mark-up shall be applied on bills purchased/negotiated as approved.
d) Nil charges on Pak Rupee Cheques for Clearing through NIFT within a city (Rawalpindi /Islamabad is treated
as one city)

6
Askari Bank Limited Charges effective January 01, 2010

C. SAFE DEPOSIT LOCKERS

Fee for safe deposit lockers (to be recovered in advance or at the commencement of the period yearly/half yearly/quarterly as the case
may be).

a) i) Small Rs. 1,300 p.a. or Nil on refundable key deposit of Rs. 25,000/-
ii) Medium Rs. 1,800 p.a. or Nil on refundable key deposit of Rs. 30,000/-
iii) Large Rs. 3,200 p.a. or Nil on refundable key deposit of Rs. 45,000/-
iv) Extra Large XL (16”x 16”) Rs. 4,000 p.a. or Nil on refundable key deposit of Rs. 55,000/-
v) Extra Extra Large XXL(16”x31”) Rs. 6,375 p.a. or Nil on refundable key deposit of Rs. 85,000/-
b) Key Deposit. Rs. 1,175/- per locker
c) Breaking Charges. Rs.2,650/- per locker plus actual charges of supplier
d) Late payment charges Rs.135/- per month or part thereof, maximum one year annual rent.

New amount of Refundable Key Deposit is applicable only to Lockers licensed from 1st July 2003 onwards
OR Lockers converted from annual locker rent to Refundable Key Deposit.

D. UTILITY BILLS (PTCL, WAPDA, SNGPL)

(for details please refer Instruction Circular No. 1115)
a. Service Charges Rs.8/- (payable by utility companies)
b. Cheque collection/return charges NIL

E. RETAIL BANKING
1. ATM Services
a. Issuance of ATM/Debit Card Rs.425/- per card
b. Issuance of Supplementary Card Rs.425/- per card
c. Service Charges on half yearly basis Rs.215/- per card
d. Replacement Rs.425/- per card
e. Shared ATM Network Charges i) 1 Link Cards on 1 Link ATMs - Rs.15/- per trans.
ii)MNET Cards on 1 Link ATMs - Rs.15/- per trans.
iii)
1 Link Cards on MNET ATMs - Rs.15/- per trans.
iv)Independent Service Providers - Rs.30/- per trans.
ATM
f. Issuance of Visa Debit Card i) Rs.500/- for Silver Card ii) Rs.750/- for Gold Card
g. Issuance of Supplementary Card i) Rs.500/- for Silver Card ii) Rs.750/- for Gold Card
h. Annual/Renewal fee i) Rs.500/- for Silver Card ii) Rs.750/- for Gold Card
i) Replacement i) Rs.500/- for Silver Card ii) Rs.750/- for Gold Card

Note: No charges on issuance of Debit Cards for new Value Plus account holders. However, all other charges e.g. half yearly
charges, replacement of cards or supplementary card charges will be recovered as above.

2. Personal Finance
a. Processing fee for civilians i) Clean - 1.30% of loan amount min. Rs.3,000/-
(including legal & documentation charges)
ii) Secured – 1.30% of loan amount max. upto Rs.6,000/-
(Legal & documentation charges at actual)

b. Processing fee for Armed Forces personnel i) Clean - 1.275% of loan amount min. Rs.1,900/-
(including legal & documentation charges)
ii) Secured - 1.275% of loan amount max. upto Rs.5,850/-
(Legal & documentation charges at actual)
c. Late payment charges Rs.500/- per installment.
d. Cheque return charges Rs.500/- per cheque
e. Early settlement charges Upto 3% of the outstanding amount.

7
Askari Bank Limited Charges effective January 01, 2010

3. Smart Cash
a. Processing Fee i) Clean - 2% of loan amount min. Rs.5,000/-
(including legal & documentation charges)
ii) Secured - 1.50% of loan amount max. upto Rs.6,000/-
(Legal & documentation charges at actual)
b. Annual/Renewal Fee Rs.5,000/-
c. Enhancement charges 1.50% of the enhanced amount minimum Rs.5,000/-
d. Cheque return charges Rs.500/- per cheque.

4. Mortgage Finance
a. Processing Fee Rs.6,500/- (Flat)
b. Legal/documentation/valuation/income At actual
estimation charges
c. Enhancement Charges Rs.6,500/- (Flat)
d. Late Payment Charges Rs.750/- per intallment.
e. Cheque return charges Rs.500/- per cheque.
f. Premature Termination Charges a) In case of early settlement by the borrower charges will be
applicable in the following manner.
i) 1st Year: Upto 6.5% on outstanding balance
ii) 2nd Year: Upto 5.5% on outstanding balance
iii) 3rd Year onwards: Upto 4.5% on outstanding balance.
b) Upto 11% of the outstanding balance, in case of balance
transferred to other bank, irrespective of the time period.
g. Balloon Payment Balloon Payment allowed upto a maximum of 20% of the
outstanding balance in a year. Additional balloon payments will
be upto 6% charges on the amount being paid (balloon payment
amount).

5. Business Finance
a. Processing Fee Rs.10,000/- (Flat)
b. Legal/documentation/valuation/income At actual
estimation charges
c. Renewal Fee Rs.10,000/- (Flat)
d. Enhancement Charges Rs.10,000/- (Flat)
e. Cheque Return Charges Rs. 500/- (per cheque)
f. Late Payment Charges Rs.1,000/- (Flat)
g. Premature Termination Charges Upto 6.5% of the limit.
6. Auto Finance
a. Processing Fee Rs.5,300/- (Rs.2,350/- non-refundable)
b. Legal/documentation/valuation/income At Actual
estimation charges
c. Premature Termination Charges Up to 7% of the outstanding loan amount
d. Baloon Payment 15% of the outstanding balance in a year subject to 3.50%
charges on the amount being paid (balloon payment amount)
e. Cheque Return Charges Rs.650/-
f. Late Payment Charges Rs.650/-

7. I-NET Banking All transactions through internet ….Free of Charge

F. ASKARI MASTER CARD

1. Awami Card i) Rs.550/- as Processing Charges.
ii) No Annual Fee.
2. Classic Card Rs.2,350/- per annum
3. Gold Card Rs.4,450/- per annum
4. Platinum Card Rs.5,300/- per annum

8
Askari Bank Limited Charges effective January 01, 2010
5. Supplementary Card – Awami No Annual Fee
6. Supplementary Card – Classic Rs.950/- per annum
7. Supplementary Card - Gold Rs.1,800/- per annum
8. Supplementary Card – Platinum Rs.2,650/- per annum
9. Late Payment Charges Rs.650/- or 11% whichever is higher
10. Service Charges Retail Transactions for Classic, Gold i) Salaried Person: 3.20% per month
and Platinum Cards ii) Self Employed and Zarai: 3.45% Per month
iii) Army: 1.83% Per month
11. Service Charges Retail Transactions for Awami Cards i) Awami: 3.70% per month
ii) Corporate: 1.60% per month
12. Service Charges Cash 3.7% per month
13. Cash Advance Charges Rs.650/- or 3.45% whichever is higher
14. Cheque Return Charges Rs.650/- (flat)
15. Excess Over Limit Charges Rs.650/- (Flat)
16. Duplicate Statement of Charges Rs.185/- per month
17. Card Replacement Fee Rs.320/-
18. Flexible Credit Plan (FCP) 2.15% per month
19. FCP Early Cancellation Charges Rs.1,075/- or 5.5% of the outstanding amount whichever is
higher
20. FCP Processing Charges Rs.550/- or 3.20% whichever is higher
21. Credit Cover (with the consent of customer) 0.60% of outstanding balance
22. Voucher Retrieval
a. Local Transaction Rs.375/-
b. International Transaction Rs.900/-
23. Corporate Card (Annual Fee)
i) 1 to 4 Credit Cards Upto Rs.2,125/- per card
ii) 5 to 9 Credit Cards Upto Rs.1,075/- per card
iii) 10 to 14 Credit Cards Upto Rs.800/- per card
iv) 15 and above Credit Cards Upto Rs.550/- per card
24. Balance Transfer Facility Service Charges 2.15% per month
25. Forex Markup 3% on the transactions amount – to be applied on all transactions
other than Pak Rupee
26. SMS Charges Rs.50 per month

Note: Waiver of annual fee for Basic and Supplementary cards, subject to approval of the concerned authority, based on the customer
relations and spending profile.

G. AGRICULTURE BANKING
i) Processing Fee for following Finances: 1.1% of the sanctioned facility amount
i) Askari Kissan Evergreen Finance.
ii) Askari Kissan Tractor Finance.
iii) Askari Kissan Farm Mechanization.
iv) Askari Kissan Livestock Development Finance
v) Askari Kissan Aabpashi Finance
vi) Askari Kissan Transport Finance
vii) Askari Kissan Green House & Tunnel Finance
viii) Askari Kissan Farm Storage Finance
ix) Askari Kissan Model Dairy Finance
x) Askari Kissan Gold Fish Finance.
xi) Askari Kissan White Pearl Finance
xii) Askari Kissan Murghban Finance
xiii) Askari Kissan Gulban Finance
xiv) Askari Kissan Samar Bahisht Finance
xv) Asan Mali Sahulat.

2. Service charges on delayed payment of markup/Installment

of TF/rollover of revolving credit facilities.
i) overdue by 31 days to 60 days Rs. 550/- (flat)
ii) overdue by 61 days to 90 days Rs. 1,075/- (flat)
iii) overdue (past) 90 days Rs. 1,600/- or Rs. 0.49/1000 on daily product basis
(whichever is higher)

9
Askari Bank Limited Charges effective January 01, 2010
3. Transfer of Facility (on request within the bank) Rs. 1,075/- (flat)
4. Amendments in terms of approval Rs. 550/- (flat)

H. MISCELLANEOUS CHARGES
1. Stop payment of cheques Rs. 320/- per instruction
2. Duplicate statement of Account Rs. 35/- (Flat)
3. Duplicate party advice charges Rs. 50/- per advice
4. Confirmation of balance to Auditors/any other certificate Rs. 320/- Flat
5. Issuance of cheque book Rs. 6/- per leaf
6. Issuance of loose cheques Rs. 320/-
7. Re-issuance of cheque book against Form B. Rs. 550/- plus Rs.6/- per leaf.
8. Initial Deposit requirement for opening Foreign Currency $500/- or equivalent, except Defense personnel on foreign duty.
Accounts
9. Cheques returned unpaid in clearing i) Inward: Rs.250/- per cheque or available balance below
Rs.250/-
ii) Outward: Rs.50/- per cheque or available balance below
Rs.50/-
10. Account Closing Charges Nil
11. Issuance of SBP cheque on behalf of customer other than Rs.425/-(flat)
banks and financial institutions.
12. Charges to be recovered from Employer Account in case of Rs. 30/- flat per credit (Except defense & Govt. Employees) or as
transfer of salary to the Employee Account. approved by the Area Manager / Regional General Manager

13. Collection of School fee/any other periodical subscription Nil

amount etc.
14. Photocopy of Bank Record provided to Customer i) Rs.110/- (flat) for record upto one year
ii) Rs.550/- (flat) for record over one year
15. Obtaining CIB report Rs.320/- per report
16. Obtaining Credit Report from Foreign Bank/Agency At actual
17. Same day clearance of instrument Rs.320/-
18. Issuance of Call Deposit Receipt (CDR) Rs.135/- from non-Askari Bank (Walk-in-Customers)
19. Issuance of Duplicate TDR/CDR Rs.320/-
20. Test Verification from other Banks Rs.375/-
21. Standing Instructions Rs. 215/- per execution will be recovered in addition to the usual
charges.

22. Savings Bank Account – Minimum balance requirements

(a) Regular Account Rs.5,000/-
(Accounts maintained by (i) Students, (ii) (Service charges Rs.50/- per month to be charged at month end if
Mustahiqueen of Zaqat, (iii) Employees of Government the balance drops during the month)
/ Semi-Government institutions for salary and pension
purposes including widows/children of deceased
employees eligible for family pension/benevolent fund
grant are exempted from levy of service charges, in any
manner)
(b) Basic Bank Account (Unique Account) No minimum balance limit.
(Service Charges – Nil, two deposit transactions and two
chequing withdrawals through cash/clearing per month allowed
free of charge. thereafter Rs.30/- per transaction)
23. Service Charges on Dormant Accounts NIL
(All types of accounts including Local and FCY)

10
Askari Bank Limited Charges effective January 01, 2010

24. Account maintenance charges on all Foreign

Currency Accounts (New FCA + Frozen), where balance
of CD & SB accounts during the month falls below the
slabs as mentioned hereunder:-
a) New FCY Accounts
i) US$ 100/- i) US$ 1/- per month
ii) GBP 100/- ii) GBP 1/- per month
iii) EUR 100/- iii) EUR 1/- per month
b) Frozen FCY Accounts
i) US$ 50/- i) US$ 2/- per month
ii) GBP 50/- ii) GBP 2/- per month
iii) EUR 50/- iii) EUR 2/- per month
Note: Above charges are not applicable on active salary
accounts.

NIL CHARGES:
(Other than Import, Export, Local LC & Guarantee Business).
From customers maintaining average deposit of Rs.1M in non-interest/ non-profit bearing accounts for the last 6 months or Rs.5M in
interest/profit bearing accounts; except out of pocket expenses and correspondent bank charges.
Staff: On all banking transactions, commission/charges including cheque books within reasonable amount with the approval of
Branch Manager. In case of availing Locker facility 50% of the rent amount with no key deposit.

I. ADVANCES
Following charges will be recovered in addition to mark-up profit on investment.
a) Miscellaneous charges. Actual
(i.e., charges for documents, evaluation of security &
maintenance thereof, etc.)
b) Service charges on processing of credit proposal
(upfront)
i) Upto Rs. 1M 1.1% minimum Rs.5,300/-
ii) Over Rs. 1M upto Rs.25M 0.11% minimum Rs.8,000/-
iii) Over Rs. 25M 0.053%
c) OTT / EOL Charges against Funded/non-funded facilities Rs.1,300/- each case
d) Change of Security documents Rs. 3,000/-(flat) per request.

e) Release of Security documents Rs. 1,300/- (flat) per request.

f) Project examination fee. 0.65% of the proposed exposure subject to 50% payable
upfront. (Wherever applicable).
g) Issuance of NOC for Credit Facilities from other Banks Upto Rs.5,850/- or as per approval

For advances against pledge/hypothecation, charges will be levied as follows.

h) Godown rent. Actual.
i) Godown Staff Salaries (Godown Keepers/ Chowkidars). Actual.
j) Godown Inspection Charges. Actual conveyance plus other charges.
1) Within Municipal Limits or within a radius of 8 i) Upto Rs. 10 M Rs.1,075/-.
Km from the branch. ii) Above Rs. 10 M Rs.2,200/-.
2) Outside the above limits. TA & DA as per rules plus above charges.
k) Delivery charges if a Godown Keeper is not posted. Actual.
Conveyance charges will be recovered.
l) Other incidental expenses Insurance premium, Legal charges etc Actual.
m) Issuance of Delivery Order against pledge. Rs. 550/- per delivery order.
n) Penalty for late payment of Mark-up i) For amount upto Rs. 1M Rs.110/- per day
ii) For amount over Rs.1M Rs.215/- per day
(Note: Penalty amount may be reduced/waived subject to
the approval of Chief Credit Officer)
Note: While recovering the Miscellaneous Charges like godown staff salary, inspection charges etc., the amount recovered from the
borrowers will not exceed the total rent of the godown, salary of the godown staff etc. In other words, Miscellaneous Charges
will be levied as per actual.
11
Askari Bank Limited Charges effective January 01, 2010

J. SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE

DEPOSIT

1. Sale and purchase of shares. i) 0.37% on the first Rs.10,000/- of purchase price or cost thereof
Minimum… Rs.45/-
ii) 0.32% on amount exceeding Rs.10,000/-.
NOTES:
a. The above charge is in addition to brokerage.
b. Commission will not be recovered on purchase of newly floated securities where it is payable by the
Government/Government Agencies, and from the subscribers to new share floatation.
c. When orders for purchase or sale of shares/securities are executed through the bank's other offices, all incidental
expenses, such as postage, insurance charges etc. incurred will be recovered in addition to the commission brokerage
charges.
2. Withdrawal fee on shares and securities held in 0.65% on the first Rs.10,000/- of the paid up or face value minimum
safe custody (to be recovered at the time of Rs.13/-; 0.160% on amount exceeding Rs.10,000/-.
withdrawal).
3. Withdrawal fee on Government Securities, where Rs. 7.5 per scrip.
share and/or securities sold are from those held in
safe custody, either commission on sale of share
and securities as shown against item (i) or
withdrawal fees, as shown against item (ii) and
(iii) whichever is higher, will be charged but not
both.

4. Collection of FEBCs. Rs.275/- (Flat) plus insurance charges at actual.

5. Charges for collection of interest/ return and 0.37% on the amount of interest/return/dividend/collected minimum
dividend. Rs.13/.

6. Handling charges for conversion, renewal i) Minimum Rs.7.5 per scrip.

consolidation for subdivision of Government ii) Rs.45/- flat in case of Deposit Certificates issued by
Securities. Government Agencies.

K. Postal/Telegram/Telephone/SWIFT/Telex/fax & Courier Charges.

(Domestic)
1. Correspondent Charges. Actual
2. Courier Service Rs. 135/- Flat
3. SWIFT/Telex/Cable Charges.
a. Long message (e.g. full text L/C etc.) Rs. 425/- Flat
b. Short message (e.g. L/C amendment etc.) Rs. 225/- Flat
c. SWIFT/Telex/telegram charges or message Rs. 110/- Flat
for T.T.
4. Telephone & Fax Charges. Actual plus Rs. 135/- service charges
5. Postages. Rs.135/- Flat

-:------------------------------ :-

12